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If you're going to make use of a small-cap index like the Russell 2000, you may desire to stop and consider why a good index fund business, like Vanguard, doesn't have any funds that follow it. The factor is because it's a poor index.
I have not also resolved the straw man here yet, and that is the truth that it is relatively unusual that you actually have to pay either tax obligations or significant commissions to rebalance anyway. The majority of smart financiers rebalance as much as possible in their tax-protected accounts.
Decumulators can do it by withdrawing from property classes that have succeeded. And certainly, no one needs to be buying crammed mutual funds, ever. Well, I wish messages like these aid you to see via the sales methods typically used by "economic professionals." It's really as well negative that IULs don't function.
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